Article 4 | Delegated Regulation 2024/358

Article 4 - Approaches and information for credit risk assessment and loan valuation

Article 4

Approaches and information for credit risk assessment and loan valuation

For the purposes of this chapter, crowdfunding service providers shall:

(a)	adopt methods and approaches to credit risk assessment and loan valuation that are proportionate to the size, type and maturity of the loan and to the characteristics of the project owner and of the crowdfunding project;

(b)	use accurate, reliable and up-to-date information and data.

CHAPTER I - DESCRIPTION OF THE METHOD USED TO CALCULATE CREDIT SCORES FOR CROWDFUNDING PROJECTS AND PRICES OF CROWDFUNDING OFFERS (Article 1-3)

CHAPTER II - CREDIT RISK ASSESSMENT AND LOAN VALUATION (Article 4-13)Article 4 - Approaches and information for credit risk assessment and loan valuation Article 5 - General requirements for credit risk assessments of crowdfunding projects or project owners Article 6 - Information to be considered in the credit risk assessments of crowdfunding projects or project owners Article 7 - Factors to be considered in assessing the financial situation of the project owner or of the crowdfunding project Article 8 - Information to be considered in assessing of the business model and strategy of crowdfunding projects or project owners Article 9 - Information on credit protection arrangements Article 10 - Information on funded credit protection Article 11 - Information on unfunded credit protection Article 12 - Accounting information Article 13 - Information to be considered for loan valuation

CHAPTER III - FAIR AND APPROPRIATE PRICING OF LOANS (Article 14)

CHAPTER IV - POLICIES AND PROCEDURES TO ENSURE SUFFICIENT INFORMATION FOR CLIENTS AND TO ENABLE CREDIT RISK ASSESSMENTS, LOAN VALUATION AND PRICING (Article 15-23)

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Article 4 - Approaches and information for credit risk assessment and loan valuation

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